Disability
Disability insurance can keep you financially stable should you become disabled and unable to work due to a non-work-related injury or illness. It can help provide a sense of security, knowing that if the unexpected should happen, you’ll still receive a monthly income.
Short Term Disability (STD)
Class 1 Non-Union Employees (including Executive)
- LTD benefits replace 67% of your base wages to a maximum of $15,000 per month.
- STD Benefits replace 75% of base salary wage up to weekly maximum of $4,500.
- Eligible employees are enrolled in STD following 60 days of active employment.
- Spectrum Brands pays the cost of this coverage.
- Benefits begin immediately if disability is due to an injury, accident or hospitalization. Otherwise, begin after 7 days of an illness without hospitalization.
- Maximum benefit period is 16 weeks of benefit payment for injury or 15 weeks of benefit payment for sickness.
Voluntary Short Term Disability (STD)
Class 1 St. Louis Union
- Eligible employees can enroll in Voluntary Short-Term Disability benefits following 60 days of continuous employment.
- You pay the cost of this coverage.
- Benefits begin after you have been disabled for 14 days due to a non-work-related illness or injury.
- Replaces up to 60% of your eligible income, to a maximum of $500 per week.
- Benefits end after 11 weeks.
How to File a Short-Term Disability Claim
- Easily file claims online at mynylgbs.com or call (888)-842-4462 to file your claim by phone
Long Term Disability (LTD)
Class 1 Executives
- You are eligible to receive LTD benefits after 90 days of disability.
- Replaces up to 67% of your eligible income, up to a maximum of $15,000 per month until you recover or reach your Social Security Normal Retirement Age, whichever is sooner.
- Spectrum Brands pays the cost of this coverage.
Class 2 Non-Union
- LTD benefits replace 50% of your base wages to a maximum of $15,000 a month.
- Eligible employees are automatically enrolled in Basic LTD date of hire.
- Benefits begin after 90 days of disability or date that STD benefit exhaust.
- Spectrum Brands pays the cost of this coverage.
- Payments may be reduced by state, federal or private disability you receive while disabled.
Buy Up Long Term Disability (LTD)
Class 2 Non-Union
- LTD benefits replace 67% of your base wages to a maximum of $15,000 a month.
- Eligible employees are automatically enrolled in Basic LTD date of hire.
- Benefits begin after 90 days of disability or date that STD benefit exhaust.
- You pays the cost of this coverage.
- Payments may be reduced by state, federal or private disability you receive while disabled